LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,156
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,120
−HK$1,996/mo
Today · 4.125%
HK$67,116
baseline
▲ 0.50% · 4.625%
HK$71,200
+HK$4,084/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,232/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,260
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,145
−HK$1,911/mo
Today · 4.125%
HK$74,056
baseline
▲ 0.50% · 4.625%
HK$77,960
+HK$3,904/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,112/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,787
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,144
−HK$2,395/mo
Today · 4.125%
HK$80,539
baseline
▲ 0.50% · 4.625%
HK$85,440
+HK$4,901/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,078/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,312
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,573
−HK$2,294/mo
Today · 4.125%
HK$88,867
baseline
▲ 0.50% · 4.625%
HK$93,552
+HK$4,685/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,734/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,418
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,168
−HK$2,795/mo
Today · 4.125%
HK$93,963
baseline
▲ 0.50% · 4.625%
HK$99,680
+HK$5,717/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,926/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,364
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,002
−HK$2,677/mo
Today · 4.125%
HK$103,679
baseline
▲ 0.50% · 4.625%
HK$109,144
+HK$5,465/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,358/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,680
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$117,216
−HK$3,593/mo
Today · 4.125%
HK$120,809
baseline
▲ 0.50% · 4.625%
HK$128,160
+HK$7,351/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,618/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,468
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$129,860
−HK$3,441/mo
Today · 4.125%
HK$133,301
baseline
▲ 0.50% · 4.625%
HK$140,327
+HK$7,026/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,602/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,114 · Scale 2, in force from 26 Feb 2026)